{"id":36076,"date":"2023-03-06T09:42:40","date_gmt":"2023-03-06T02:42:40","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36076"},"modified":"2024-12-02T11:22:59","modified_gmt":"2024-12-02T04:22:59","slug":"3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/","title":{"rendered":"3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?"},"content":{"rendered":"<h4><span style=\"color: #723918;\">Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?<\/span><\/h4>\n<h5><strong>(TH&amp;CL) &#8211; Th\u1eddi gian g\u1ea7n \u0111\u00e2y, s\u1ea3n ph\u1ea9m c\u1ee7a c\u00e1c th\u01b0\u01a1ng hi\u1ec7u c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng xuy\u00ean b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng khi\u1ebfu n\u1ea1i vi\u1ec7c m\u1eadp m\u1edd vi\u1ec7c x\u01b0ng danh c\u00f4ng ty t\u00e0i ch\u00ednh. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o \u0111\u1ec3 cho vay, \u0111\u00f2i n\u1ee3 ki\u1ec3u \u0111e do\u1ea1, qu\u1ea5y r\u1ed1i, \u00e9p bu\u1ed9c khi\u1ebfn cu\u1ed9c s\u1ed1ng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1ea3n ph\u1ea9m c\u1ee7a c\u00f4ng ty b\u1ecb \u0111\u1ea3o l\u1ed9n.<\/strong><\/h5>\n<p><strong>LTS<\/strong>: Ng\u00e0y 10\/07\/2015, Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u00e3 ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh 1035\/Q\u0110-TTg c\u00f4ng nh\u1eadn ng\u00e0y 15\/03 l\u00e0 Ng\u00e0y Quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng Vi\u1ec7t Nam. Th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7, h\u1eb1ng n\u0103m, c\u00e1c b\u1ed9, ng\u00e0nh v\u00e0 UBND c\u00e1c t\u1ec9nh, th\u00e0nh ph\u1ed1 tr\u1ef1c thu\u1ed9c Trung \u01b0\u01a1ng x\u00e2y d\u1ef1ng v\u00e0 tri\u1ec3n khai c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u01b0\u1edfng \u1ee9ng Ng\u00e0y Quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng Vi\u1ec7t Nam.<\/p>\n<p>Nh\u00e2n ng\u00e0y Quy\u1ec1n c\u1ee7a Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, t\u1ea1p ch\u00ed Th\u01b0\u01a1ng hi\u1ec7u v\u00e0 C\u00f4ng lu\u1eadn chuy\u1ec3n \u0111\u1ebfn b\u1ea1n \u0111\u1ecdc nh\u1eefng th\u00f4ng tin, quy \u0111\u1ecbnh, th\u1ef1c tr\u1ea1ng v\u1ec1 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u00e0i ch\u00ednh n\u00f3i chung v\u00e0 c\u00e1c kh\u00e1ch h\u00e0ng vay ti\u00eau d\u00f9ng n\u00f3i ri\u00eang t\u1ea1i Vi\u1ec7t Nam. Ch\u00fang t\u00f4i th\u1ef1c hi\u1ec7n lo\u1ea1t b\u00e0i n\u00e0y, v\u1edbi mong mu\u1ed1n \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng hi\u1ec3u v\u00e0 bi\u1ebft quy\u1ec1n c\u1ee7a m\u00ecnh, \u0111\u1ec3 tr\u1edf th\u00e0nh ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00f4ng th\u00e1i; \u0111\u1ec3 chi ti\u1ec1n mua \u0111\u01b0\u1ee3c nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u00fang v\u1edbi m\u1ee9c ti\u1ec1n chi; \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ec1n khi ti\u00eau d\u00f9ng, tr\u00e1nh ti\u1ec1n m\u1ea5t, t\u1eadt mang.<\/p>\n<p>B\u00e0i vi\u1ebft\u00a0C\u00e2u chuy\u1ec7n n\u00e2ng cao nh\u1eadn th\u1ee9c v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh?\u00a0\u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i v\u00e0o ng\u00e0y 16\/02 v\u00e0\u00a0B\u00e0i 2: Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea3nh gi\u00e1c &#8220;b\u1eaby&#8221; khi vay ti\u00eau d\u00f9ng t\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh\u00a0\u0111\u01b0\u1ee3c \u0111\u0103ng t\u1ea3i v\u00e0o ng\u00e0y 27\/02, ch\u00fang t\u00f4i nh\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u ph\u1ea3n h\u1ed3i t\u00edch c\u1ef1c c\u1ee7a \u0111\u1ed9c gi\u1ea3.<\/p>\n<p>Qua 02 b\u00e0i vi\u1ebft to\u00e0 so\u1ea1n \u0111\u0103ng t\u1ea3i, ph\u1ea7n l\u1edbn \u0111\u1ed9c gi\u1ea3 \u0111\u00e3 hi\u1ec3u v\u1ec1 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh; tr\u00e1ch nhi\u1ec7m c\u1ee7a t\u1ed5 ch\u1ee9c, c\u00f4ng ty cho vay t\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, gi\u1ea3i ph\u00e1p b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng\u2026 \u0111\u00e3 g\u00f3p ph\u1ea7n t\u1eebng b\u01b0\u1edbc \u0111\u01b0a Ng\u00e0y Quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0o th\u1ef1c ti\u1ec5n cu\u1ed9c s\u1ed1ng v\u00e0\u00a0 kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i, x\u00e2y d\u1ef1ng m\u00f4i tr\u01b0\u1eddng kinh doanh, ti\u00eau d\u00f9ng l\u00e0nh m\u1ea1nh.<\/p>\n<p>Tuy nhi\u00ean, trong ph\u1ea3n h\u1ed3i, nhi\u1ec1u \u0111\u1ed9c gi\u1ea3 \u0111ang b\u0103n kho\u0103n v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng, l\u00e3i su\u1ea5t cho vay ti\u00eau d\u00f9ng gi\u1eefa c\u00f4ng ty t\u00e0i ch\u00ednh (CTTC) \u0111\u01b0\u1ee3c Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p v\u00e0 CTTC &#8220;n\u00fap&#8221; d\u01b0\u1edbi v\u1ecf b\u1ecdc \u2018c\u00f4ng ty t\u00e0i ch\u00ednh\u2019 \u0111\u1ec3 ho\u1ea1t \u0111\u1ed9ng cho vay c\u1ea7m \u0111\u1ed3 theo ki\u1ec3u \u201ct\u00edn d\u1ee5ng \u0111en\u201d. Khi ph\u00e1t sinh tranh ch\u1ea5p v\u1ec1 c\u00e1c n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng cho vay t\u00edn d\u1ee5ng nh\u01b0 l\u00e3i su\u1ea5t, ph\u00ed, th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 hay CTTC kh\u00f4ng ghi nh\u1eadn, gi\u1ea3i quy\u1ebft, ho\u1eb7c k\u00e9o d\u00e0i th\u1eddi gian gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u khi\u1ebfu n\u1ea1i c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng vay\u2026 G\u1eb7p ph\u1ea3i nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 th\u1ebf th\u00ec ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i l\u00e0m nh\u01b0 th\u1ebf n\u00e0o? Nhi\u1ec1u \u0111\u1ed9c gi\u1ea3 h\u1ecfi r\u1eb1ng, c\u00e1c CTTC \u0111\u1ec3 l\u1ed9 th\u00f4ng tin ng\u01b0\u1eddi ti\u00eau d\u00f9ng, b\u00e1n n\u1ee3 cho \u0111\u01a1n v\u1ecb th\u1ee9 ba l\u00e0 c\u00f4ng ty thu h\u1ed3i n\u1ee3, \u0111\u00f2i n\u1ee3 ki\u1ec3u \u0111e do\u1ea1, qu\u1ea5y r\u1ed1i, \u00e9p bu\u1ed9c th\u1eadm ch\u00ed \u0111i\u1ec7n tho\u1ea1i c\u1ea3 ng\u01b0\u1eddi th\u00e2n, ng\u01b0\u1eddi quen \u0111\u1ec3 nh\u1eafc chuy\u1ec7n thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng\u2026 th\u00ec ph\u1ea3i l\u00e0m sao? V\u1eady, khi\u1ebfu ki\u1ec7n \u0111\u1ebfn \u0111\u00e2u \u0111\u1ec3 \u0111\u00f2i l\u1ea1i c\u00f4ng b\u1eb1ng?<\/p>\n<p>R\u1ea5t nhi\u1ec1u nh\u1eefng c\u00e2u h\u1ecfi qu\u1ea3 th\u1ef1c b\u1ee9c x\u00fac v\u00e0 nh\u1ee9c nh\u1ed1i. Th\u01b0\u01a1ng hi\u1ec7u &amp; C\u00f4ng lu\u1eadn s\u1ebd cung c\u1ea5p cho \u0111\u1ed9c gi\u1ea3 nh\u1eefng th\u00f4ng tin c\u1ea7n thi\u1ebft, tr\u00e1nh tr\u01b0\u1eddng h\u1ee3p \u201cti\u1ec1n m\u1ea5t, t\u1eadt mang\u201d \u0111\u1ec3 \u0111\u1ed9c gi\u1ea3 bi\u1ebft c\u00e1ch t\u1ef1 b\u1ea3o v\u1ec7 m\u00ecnh \u0111\u1ec3 tr\u1edf th\u00e0nh ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00f4ng th\u00e1i.<\/p>\n<h5><strong>Vay d\u1ec5, tr\u1ea3 kh\u00f4ng d\u1ec5, l\u00e3i su\u1ea5t cao<\/strong><\/h5>\n<p>C\u00f4ng ty t\u00e0i ch\u00ednh hay c\u00f4ng ty cho vay ti\u00eau d\u00f9ng (CVTD) \u0111\u00e3 mang l\u1ea1i s\u1ef1 ti\u1ec7n l\u1ee3i nh\u1ea5t \u0111\u1ecbnh cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng. Nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u00f3 \u0111\u00e3 t\u1ea1o ra th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a h\u1ecd. Kh\u00e1ch quan m\u00e0 n\u00f3i, CTTC c\u00f3 nh\u1eefng \u0111\u00f3ng g\u00f3p nh\u1ea5t \u0111\u1ecbnh cho th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh m\u1edf song trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng, c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 kh\u00f4ng gi\u1eef \u0111\u01b0\u1ee3c t\u00ednh kh\u00e1ch quan m\u00e0 ng\u00e0y c\u00e0ng b\u1ed9c l\u1ed9 nhi\u1ec1u h\u00e0nh vi mang t\u00ednh &#8220;l\u00e1ch lu\u1eadt&#8221;.<\/p>\n<p>Th\u1eddi gian g\u1ea7n \u0111\u00e2y, s\u1ea3n ph\u1ea9m c\u1ee7a c\u00e1c th\u01b0\u01a1ng hi\u1ec7u CTTC, c\u00f4ng ty CVTD th\u01b0\u1eddng xuy\u00ean b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng khi\u1ebfu n\u1ea1i v\u1ec1 vi\u1ec7c m\u1eadp m\u1edd trong ho\u1ea1t \u0111\u1ed9ng cho vay, l\u00e3i su\u1ea5t; \u0111\u00f2i n\u1ee3 ki\u1ec3u \u0111e d\u1ecda, qu\u1ea5y r\u1ed1i, \u00e9p bu\u1ed9c khi\u1ebfn cu\u1ed9c s\u1ed1ng c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u01b0\u1eddi ti\u00eau d\u00f9ng b\u1ecb \u0111\u1ea3o l\u1ed9n.<\/p>\n<h5><strong>C\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 nh\u1eefng doanh nghi\u1ec7p thu\u1ed9c lo\u1ea1i h\u00ecnh t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng ngo\u1ea1i tr\u1eeb ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng. Theo Lu\u1eadt T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng (\u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung n\u0103m 2017) quy \u0111\u1ecbnh, th\u00ec t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng bao g\u1ed3m: C\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng phi ng\u00e2n h\u00e0ng kh\u00e1c.<\/strong><\/h5>\n<p>K\u1ec3 l\u1ea1i c\u00e2u chuy\u1ec7n c\u1ee7a m\u00ecnh, anh H.V.T (tr\u00fa t\u1ea1i qu\u1eadn \u0110\u1ed1ng \u0110a, TP. H\u00e0 N\u1ed9i) cho bi\u1ebft: Do c\u1ea7n ti\u1ec1n g\u1ea5p n\u00ean anh T \u0111\u00e3 \u0111\u1ebfn m\u1ed9t d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng mang th\u01b0\u01a1ng hi\u1ec7u Tima &#8211; thu\u1ed9c CTCP T\u1eadp \u0111o\u00e0n Tima tr\u00ean \u0111\u01b0\u1eddng H\u1ed3 T\u00f9ng M\u1eadu, qu\u1eadn C\u1ea7u Gi\u1ea5y, TP. H\u00e0 N\u1ed9i \u0111\u1ec3 t\u01b0 v\u1ea5n. \u201cTheo nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n, hi\u1ec7n Tima \u0111ang cho vay v\u1edbi l\u00e3i su\u1ea5t dao \u0111\u1ed9ng kho\u1ea3ng 1.600 \u0111\u1ed3ng\/1.000.000 \u0111\u1ed3ng\/ng\u00e0y. Theo t\u00ednh to\u00e1n c\u1ee7a t\u00f4i, v\u1edbi l\u00e3i vay nh\u01b0 v\u1eady, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 4,8%\/th\u00e1ng, kho\u1ea3ng 60%\/n\u0103m\u201d, anh T chia s\u1ebb.<\/p>\n<p>Anh T \u0111\u1ec1 ngh\u1ecb vay 10 tri\u1ec7u \u0111\u1ed3ng, th\u1eddi h\u1ea1n 12 th\u00e1ng. Nh\u01b0ng ng\u01b0\u1eddi n\u00e0y th\u00f4ng b\u00e1o, b\u00ean C\u00f4ng ty c\u00f3 cho vay ti\u1ec1n m\u1eb7t nh\u01b0ng b\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c c\u1ea7m c\u1ed1 \u0111\u1ed3 c\u00f3 gi\u00e1 tr\u1ecb n\u00ean anh T \u0111\u00e3 \u0111\u1ed3ng \u00fd c\u1ea7m \u0111\u0103ng k\u00fd xe m\u00e1y. \u201cNh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cho bi\u1ebft, khi l\u00e0m th\u1ee7 t\u1ee5c vay ti\u1ec1n, C\u00f4ng ty Tima s\u1ebd gi\u1eef \u0111\u0103ng k\u00fd xe. N\u1ebfu t\u00f4i vay 10 tri\u1ec7u \u0111\u1ed3ng, th\u1eddi h\u1ea1n 12 th\u00e1ng th\u00ec m\u1ed7i th\u00e1ng t\u00f4i ph\u1ea3i \u0111\u00f3ng 1,3 tri\u1ec7u \u0111\u1ed3ng (bao g\u1ed3m c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i). Sau 12 th\u00e1ng, t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i chi tr\u1ea3 c\u1ea3 g\u1ed1c v\u00e0 l\u00e3i l\u00ean \u0111\u1ebfn 15,6 tri\u1ec7u \u0111\u1ed3ng. S\u1ed1 ti\u1ec1n ch\u00eanh l\u1ec7ch l\u00ean \u0111\u1ebfn 5,6 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed3ng, qu\u1ea3 th\u1ef1c l\u00e0 r\u1ea5t cao so v\u1edbi c\u00f4ng ty t\u00e0i ch\u00ednh kh\u00e1c\u201d, anh T chia s\u1ebb.<\/p>\n<div id=\"attachment_36077\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-36077 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1-450x318.jpg\" alt=\"Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &quot;tung chi\u00eau&quot; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng\" width=\"450\" height=\"318\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1-450x318.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1-768x543.jpg 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg 800w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">M\u1ed9t d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng mang th\u01b0\u01a1ng hi\u1ec7u Tima &#8211; thu\u1ed9c CTCP T\u1eadp \u0111o\u00e0n Tima s\u1ed1 960 \u0111\u01b0\u1eddng L\u00e1ng, qu\u1eadn \u0110\u1ed1ng \u0110a, TP H\u00e0 N\u1ed9i.<\/p><\/div>\n<p>Nh\u01b0 v\u1eady, theo anh T th\u00ec, m\u1ee9c l\u00e3i su\u1ea5t m\u00e0 C\u00f4ng ty Tima \u0111ang \u00e1p d\u1ee5ng cao h\u01a1n nhi\u1ec1u % so v\u1edbi quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. B\u00ean c\u1ea1nh \u0111\u00f3, n\u1ebfu so v\u1ec1 chi ph\u00ed vay th\u00ec C\u00f4ng ty Tima hi\u1ec7n \u00e1p d\u1ee5ng m\u1ee9c l\u00e3i su\u1ea5t cao h\u01a1n so v\u1edbi CTTC kh\u00e1c khi \u00e1p d\u1ee5ng m\u1eb7t khung l\u00e3i su\u1ea5t cho vay kho\u1ea3ng 4,8% \u0111\u1ebfn 5,8%\/th\u00e1ng hay 57,6 \u2013 70%\/n\u0103m; trong khi nhi\u1ec1u c\u01a1 s\u1edf kh\u00e1c \u0111ang cho vay v\u1edbi l\u00e3i su\u1ea5t t\u1eeb 3 \u0111\u1ebfn 4,5%\/th\u00e1ng.<\/p>\n<p>Kho\u1ea3n 1, \u0110i\u1ec1u 468, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015 quy \u0111\u1ecbnh: L\u00e3i su\u1ea5t vay do c\u00e1c b\u00ean th\u1ecfa thu\u1eadn. Tr\u01b0\u1eddng h\u1ee3p c\u00e1c b\u00ean c\u00f3 th\u1ecfa thu\u1eadn v\u1ec1 l\u00e3i su\u1ea5t th\u00ec l\u00e3i su\u1ea5t theo th\u1ecfa thu\u1eadn kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t qu\u00e1 20%\/n\u0103m c\u1ee7a kho\u1ea3n ti\u1ec1n vay, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p lu\u1eadt kh\u00e1c c\u00f3 li\u00ean quan quy \u0111\u1ecbnh kh\u00e1c&#8230; Nh\u01b0 v\u1eady, l\u00e3i su\u1ea5t t\u1ed1i \u0111a trong c\u00e1c h\u1ee3p \u0111\u1ed3ng vay t\u00e0i s\u1ea3n c\u00e1c b\u00ean \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn theo BLDS kh\u00f4ng qu\u00e1 20%\/n\u0103m (t\u1ee9c 1,7%\/th\u00e1ng).<\/p>\n<p>T\u1ea1i Quy\u1ebft \u0111\u1ecbnh s\u1ed1 2868\/Q\u0110-NHNN ng\u00e0y 29\/11\/2010 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam th\u00ec m\u1ee9c l\u00e3i su\u1ea5t c\u01a1 b\u1ea3n l\u00e0 9%\/01 n\u0103m, t\u1ee9c l\u00e0 0,75%\/01 th\u00e1ng. L\u00e3i su\u1ea5t cao nh\u1ea5t c\u00e1c b\u00ean \u0111\u01b0\u01a1ng s\u1ef1 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1, \u0110i\u1ec1u 476 l\u00e0 1,125%\/01 th\u00e1ng (t\u1ee9c 13,5%\/01 n\u0103m).<\/p>\n<h5><strong>&#8220;L\u00e1ch lu\u1eadt&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng nh\u1eb1m m\u1ee5c \u0111\u00edch g\u00ec?<\/strong><\/h5>\n<p>Nh\u01b0 nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u kh\u00e1c, v\u00e0o nh\u1eefng ng\u00e0y \u0111\u1ea7u th\u00e1ng 03\/2023, ch\u1ecb V.T.H (qu\u1eadn Thanh Xu\u00e2n, TP. H\u00e0 N\u1ed9i), c\u0169ng \u0111\u1ebfn d\u1ecbch v\u1ee5 cho vay ti\u00eau d\u00f9ng mang th\u01b0\u01a1ng hi\u1ec7u Tima tr\u00ean \u0111\u01b0\u1eddng L\u00e1ng, qu\u1eadn \u0110\u1ed1ng \u0110a, TP. H\u00e0 N\u1ed9i \u0111\u1ec3 h\u1ecfi vay.<\/p>\n<p>Theo ch\u1ecb H th\u00ec, nh\u00e2n vi\u00ean Tima y\u00eau c\u1ea7u ng\u01b0\u1eddi vay cung c\u1ea5p CMND\/CCCD v\u00e0 gi\u1ea5y t\u1edd xe ch\u00ednh ch\u1ee7 \u0111\u1ec3 nh\u1eadp l\u00ean h\u1ec7 th\u1ed1ng, th\u1ea9m \u0111\u1ecbnh m\u1ee9c vay. Sau qu\u00e1 tr\u00ecnh nh\u00e2n vi\u00ean Tima ki\u1ec3m tra, ch\u1ecb H \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1edbi gi\u00e1 tr\u1ecb kho\u1ea3n vay l\u00e0 12 tri\u1ec7u \u0111\u1ed3ng. \u0110\u1ed3ng th\u1eddi, t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c kho\u1ea3n vay c\u00f3 nhi\u1ec1u k\u1ef3 h\u1ea1n nh\u01b0: 03 th\u00e1ng, 06 th\u00e1ng, 09 th\u00e1ng, 12 th\u00e1ng,&#8230; k\u1ef3 h\u1ea1n ng\u1eafn th\u00ec l\u00e3i cao h\u01a1n. \u201cN\u1ebfu ch\u1ecb vay \u2018n\u00f3ng\u2019 \u1edf m\u1ee9c 5 tri\u1ec7u \u0111\u1ed3ng th\u00ec ch\u1ec9 c\u1ea7n cung c\u1ea5p gi\u1ea5y t\u1edd \u0111\u0103ng k\u00fd xe ch\u00ednh ch\u1ee7 m\u00e0 th\u1ee7 t\u1ee5c nhanh g\u1ecdn, kh\u00f4ng r\u01b0\u1eddm r\u00e0, kh\u00f4ng ph\u1ea3i \u0111\u1ebfn x\u00e9t duy\u1ec7t nh\u00e0 c\u1eeda, ch\u1ec9 c\u1ea7n g\u1ecdi qua video \u0111\u1ec3 th\u1ea9m \u0111\u1ecbnh. C\u00f2n n\u1ebfu vay nhi\u1ec1u h\u01a1n m\u1ee9c 5 tri\u1ec7u \u0111\u1ed3ng th\u00ec ch\u1ecb ph\u1ea3i ch\u1ee9ng minh thu nh\u1eadp &#8211; cung c\u1ea5p th\u00eam h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng (H\u0110L\u0110) ho\u1eb7c b\u1ea3ng l\u01b0\u01a1ng \u2013 n\u01a1i l\u00e0m vi\u1ec7c\u201d, ch\u1ecb H chia s\u1ebb.<\/p>\n<h6>Nh\u00e2n vi\u00ean Tima t\u01b0 v\u1ea5n cho ch\u1ecb H.<\/h6>\n<p>\u201cNh\u00e2n vi\u00ean Tima t\u00ednh to\u00e1n cho t\u00f4i kho\u1ea3n vay \u2018n\u00f3ng\u2019 v\u1edbi m\u1ee9c vay l\u00e0 5 tri\u1ec7u \u0111\u1ed3ng, tr\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m xe l\u00e0 450.000 \u0111\u1ed3ng (ngo\u00e0i ph\u00ed b\u1ea3o hi\u1ec3m ra kh\u00f4ng ph\u1ea3i ch\u1ecbu ph\u00ed n\u00e0o kh\u00e1c), th\u00ec t\u00f4i ch\u1ec9 \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n v\u1edbi s\u1ed1 ti\u1ec1n l\u00e0 4.550.000 \u0111\u1ed3ng. V\u1edbi k\u1ef3 h\u1ea1n 12 th\u00e1ng, m\u1ed7i th\u00e1ng t\u00f4i ph\u1ea3i tr\u1ea3 g\u00f3p v\u1ed1n v\u00e0 l\u00e3i l\u00e0 675.000 \u0111\u1ed3ng. B\u00ean c\u00f4ng ty h\u1ecd gi\u1ea3i ng\u00e2n b\u1eb1ng chuy\u1ec3n kho\u1ea3n, kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t. S\u1ed1 ti\u1ec1n vay 5 tri\u1ec7u \u0111\u1ed3ng l\u00e0 \u0111\u00e3 bao g\u1ed3m ph\u00ed b\u1ea3o hi\u1ec3m xe, th\u1ef1c nh\u1eadn t\u00f4i ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c 4.550.000 \u0111\u1ed3ng. N\u1ebfu tr\u1ea3 tr\u01b0\u1edbc h\u1ea1n th\u00ec ph\u1ea1t 8% s\u1ed1 d\u01b0 n\u1ee3 c\u00f2n l\u1ea1i\u2019, ch\u1ecb H chia s\u1ebb.<\/p>\n<p>Theo nh\u00e2n vi\u00ean Tima, sau 12 th\u00e1ng, ng\u01b0\u1eddi vay ph\u1ea3i tr\u1ea3 s\u1ed1 ti\u1ec1n l\u00ean \u0111\u1ebfn 8,1 tri\u1ec7u \u0111\u1ed3ng, ch\u00eanh l\u1ec7ch kho\u1ea3ng h\u01a1n 3 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<p>Nh\u1eefng l\u1eddi ch\u00e0o m\u1eddi c\u00f3 c\u00e1nh t\u1ea1i Tima.vn.<\/p>\n<p>Theo t\u00ednh to\u00e1n, ch\u1ecb H th\u1ef1c hi\u1ec7n H\u1ee3p \u0111\u1ed3ng vay c\u1ea7m c\u1ed1 (gi\u1ea5y t\u1edd \u0111\u0103ng k\u00fd xe m\u00e1y) v\u1edbi gi\u00e1 tr\u1ecb kho\u1ea3n vay l\u00e0 5 tri\u1ec7u \u0111\u1ed3ng, th\u1eddi h\u1ea1n vay 12 th\u00e1ng (01 th\u00e1ng thanh to\u00e1n 1 l\u1ea7n), m\u1ee9c l\u00e3i su\u1ea5t 18%\/n\u0103m, m\u1ed7i th\u00e1ng ph\u1ea3i \u0111\u00f3ng 675.000 \u0111\u1ed3ng \u0111\u01b0\u1ee3c t\u00ednh to\u00e1n c\u1ee5 th\u1ec3 nh\u01b0 sau:<\/p>\n<h5><strong>Ti\u1ec1n g\u1ed1c h\u00e0ng th\u00e1ng<\/strong>: 5.000.000\/12 th\u00e1ng\u00a0<sub>=\u00a0<\/sub>417.000 \u0111\u1ed3ng<\/h5>\n<h5><strong>Ti\u1ec1n l\u00e3i ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng<\/strong>: (5.000.000 x 18%)\/12 th\u00e1ng\u00a0<sub>=\u00a0\u00a0<\/sub>75.000 \u0111\u1ed3ng.<\/h5>\n<p>Nh\u01b0 v\u1eady,\u00a0<strong>s\u1ed1 l\u00e3i v\u00e0 g\u1ed1c trong kho\u1ea3n vay<\/strong>\u00a05 tri\u1ec7u \u0111\u1ed3ng c\u1ee7a ch\u1ecb H ph\u1ea3i tr\u1ea3 h\u00e0ng th\u00e1ng l\u00e0 492.000 \u0111\u1ed3ng. Tuy nhi\u00ean, theo nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a Tima th\u00ec, m\u1ed7i th\u00e1ng ch\u1ecb H ph\u1ea3i \u0111\u00f3ng 675.000 \u0111\u1ed3ng (c\u1ea3 g\u1ed1c + l\u00e3i). V\u1eady, s\u1ed1 ti\u1ec1n 183.000 \u0111\u1ed3ng c\u00f2n l\u1ea1i ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i ch\u1ecbu nh\u1eefng chi ph\u00ed g\u00ec, trong khi \u0111\u00f3, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u1ee7a Tima tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 n\u00f3i v\u1edbi ch\u1ecb H r\u1eb1ng, ch\u1ec9 ph\u1ea3i ch\u1ecbu m\u1ed7i kho\u1ea3n ph\u00ed 450.000 \u0111\u1ed3ng ph\u00ed b\u1ea3o hi\u1ec3m xe, kho\u1ea3n 450.000 \u0111\u1ed3ng \u0111\u00f3 \u0111\u00e3 b\u1ecb tr\u1eeb trong l\u00fac gi\u1ea3i ng\u00e2n, ch\u1ecb H ch\u1ec9 th\u1ef1c nh\u1eadn \u0111\u01b0\u1ee3c c\u00f3 4.550.000 \u0111\u1ed3ng?<\/p>\n<p>Hi\u1ec7n t\u1ea1i, Tima ni\u00eam y\u1ebft l\u00e3i su\u1ea5t \u1edf m\u1ee9c 1,5%\/th\u00e1ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 18%\/n\u0103m, tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh d\u1ecbch v\u1ee5 c\u1ea7m \u0111\u1ed3 v\u00e0 tr\u1ea7n l\u00e3i su\u1ea5t. N\u1ebfu ch\u1ec9 nh\u00ecn v\u00e0o con s\u1ed1 18%\/n\u0103m s\u1ebd th\u1ea5y l\u00e3i su\u1ea5t cho vay c\u1ee7a Tima l\u00e0 &#8220;\u1ed5n&#8221; m\u00e0 th\u1ee7 t\u1ee5c, th\u1eddi gian gi\u1ea3i ng\u00e2n nhanh g\u1ecdn. Nh\u01b0ng, c\u00e1i m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a Tima\u00a0 ph\u1ea3i ch\u1ecbu song song v\u1edbi chi ph\u00ed vay l\u00e0 nh\u1eefng kho\u1ea3n chi ph\u00ed kh\u00f3 hi\u1ec3u kh\u00e1c m\u00e0 nghe c\u00f3 v\u1ebb r\u1ea5t h\u1ee3p l\u00fd. T\u1ed5ng c\u1ed9ng t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i ph\u00ed m\u00e0 Tima \u0111\u1eb7t ra cho kho\u1ea3n vay, khi\u1ebfn kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu chi ph\u00ed l\u00e3i vay\/kho\u1ea3n vay l\u00ean \u0111\u1ebfn h\u01a1n 62% n\u0103m. Ch\u1ecb H nh\u1ea5n m\u1ea1nh l\u00e0 l\u00e3i vay c\u1ee7a kho\u1ea3n ti\u1ec1n ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e3i su\u1ea5t.<\/p>\n<p>Lu\u1eadt s\u01b0 V\u0169 Xu\u00e2n Nam, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty TNHH Lu\u1eadt Ho\u00e0n Ki\u1ebfm (TP. H\u00e0 N\u1ed9i) cho r\u1eb1ng: \u201cVi\u1ec7c b\u00f3c t\u00e1ch l\u00e3i su\u1ea5t v\u00e0 c\u00e1c kho\u1ea3n ph\u1ee5 ph\u00ed l\u00e0 h\u00ecnh th\u1ee9c l\u00e1ch lu\u1eadt, g\u00e2y thi\u1ec7t h\u1ea1i cho kh\u00e1ch h\u00e0ng. B\u1ea3n ch\u1ea5t c\u1ee7a vi\u1ec7c l\u00e0m n\u00e0y kh\u00f4ng kh\u00e1c g\u00ec cho vay l\u00e3i su\u1ea5t cao\u201d.<\/p>\n<p>Nh\u01b0 ch\u00fang ta \u0111\u00e3 bi\u1ebft, trong c\u01a1 c\u1ea5u n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam hi\u1ec7n nay, ng\u00e0nh c\u00f4ng nghi\u1ec7p v\u00e0 d\u1ecbch v\u1ee5 (bao g\u1ed3m c\u1ea3 nhu c\u1ea7u v\u1ec1 ti\u00eau d\u00f9ng) n\u00f3 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nhau. C\u00f3 ngh\u0129a, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ti\u00eau d\u00f9ng chi\u1ebfm kho\u1ea3ng ph\u00e2n n\u1eeda s\u1ef1 ph\u00e1t tri\u1ec3n chung. Tuy nhi\u00ean, ho\u1ea1t \u0111\u1ed9ng cho vay ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c CTTC v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp nh\u01b0: Ph\u00e1t sinh nhi\u1ec1u tranh ch\u1ea5p v\u1ec1 c\u00e1c n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng cho vay t\u00edn d\u1ee5ng nh\u01b0 l\u00e3i su\u1ea5t, ph\u00ed, th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3; CTTC kh\u00f4ng ghi nh\u1eadn, gi\u1ea3i quy\u1ebft, ho\u1eb7c k\u00e9o d\u00e0i th\u1eddi gian gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng vay. Ph\u1ea3i n\u00f3i, kh\u1ea3 n\u0103ng khi\u1ebfu n\u1ea1i c\u1ee7a kh\u00e1ch h\u00e0ng g\u1ea7n nh\u01b0 b\u1eb1ng kh\u00f4ng; C\u00f3 nh\u1eefng h\u00e0nh vi \u0111e do\u1ea1, qu\u1ea5y r\u1ed1i ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi nh\u1eafc, thu h\u1ed3i n\u1ee3. \u1ede \u0111\u00e2y, ch\u00fang ta th\u01b0\u1eddng nghe n\u00f3i \u0111i\u1ec7n tho\u1ea1i c\u1ea3 ng\u01b0\u1eddi th\u00e2n, ng\u01b0\u1eddi quen \u0111\u1ec3 nh\u1eafc chuy\u1ec7n thu h\u1ed3i n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng, g\u00e2y phi\u1ec1n to\u00e1i cho nhi\u1ec1u ng\u01b0\u1eddi d\u00f9ng MXH c\u0169ng nh\u01b0 nhi\u1ec1u ng\u01b0\u1eddi d\u00f9ng di\u1ec7n tho\u1ea1i di \u0111\u1ed9ng.<\/p>\n<h5><strong>Chuy\u00ean gia c\u1ea3nh b\u00e1o ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ea9n tr\u1ecdng khi vay ti\u00eau d\u00f9ng t\u1eeb c\u00f4ng ty t\u00e0i ch\u00ednh<\/strong><\/h5>\n<p>Chia s\u1ebb v\u1edbi Ph\u00f3ng vi\u00ean Th\u01b0\u01a1ng hi\u1ec7u &amp; C\u00f4ng lu\u1eadn, Ti\u1ebfn s\u1ef9 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, chuy\u00ean gia kinh t\u1ebf cho bi\u1ebft: \u1ede Vi\u1ec7t Nam, ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng t\u00e0i ch\u00ednh r\u1ea5t m\u01a1 h\u1ed3 v\u1ec1 quy\u1ec1n c\u1ee7a m\u00ecnh. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt b\u1ea3o v\u1ec7, quy\u1ec1n l\u1ee3i c\u0103n b\u1ea3n c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n qua:\u00a0<em>Th\u1ee9 nh\u1ea5t<\/em>, quy\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh;\u00a0<em>Th\u1ee9 hai<\/em>, t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 v\u1ec1 t\u00e0i ch\u00ednh ph\u1ea3i \u0111\u01b0\u1ee3c m\u1eddi ch\u00e0o m\u1ed9t c\u00e1ch minh b\u1ea1ch, k\u1ec3 c\u1ea3 v\u1ea5n \u0111\u1ec1 t\u00ednh to\u00e1n l\u00e3i su\u1ea5t. \u0110i\u1ec1u quan tr\u1ecdng, nh\u1eefng d\u1ecbch v\u1ee5 ph\u1ea3i \u0111\u01b0\u1ee3c ph\u1ee5 l\u1ee5c m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7 nh\u01b0 l\u00e0 hai b\u00ean \u0111\u00e3 tho\u1ea3 thu\u1eadn v\u1edbi nhau.<\/p>\n<p>\u201cNh\u1eefng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u1edf Vi\u1ec7t Nam trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng r\u00f5 r\u00e0ng nh\u1ea5t l\u00e0 v\u1ec1 c\u00e1ch t\u00ednh l\u00e3i su\u1ea5t. Tr\u00ean gi\u1ea5y t\u1edd t\u00ednh m\u1ed9t n\u1ebbo, nh\u01b0ng th\u1ef1c t\u1ebf l\u1ea1i t\u00ednh m\u1ed9t kh\u00e1c khi\u1ebfn cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng b\u1ecb l\u1ea1m d\u1ee5ng. Th\u00eam v\u00e0o \u0111\u00f3, nhi\u1ec1u ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ti\u00eau d\u00f9ng c\u1ee7a c\u00e1c TCTD, khi h\u1ecd \u0111\u1ebfn d\u00f9ng d\u1ecbch v\u1ee5 c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u00f3 &#8211; vay ti\u1ec1n th\u00ec b\u1eaft bu\u1ed9c mua th\u00eam b\u1ea3o hi\u1ec3m \u2013 \u1edf Vi\u1ec7t Nam th\u01b0\u1eddng hay c\u00f3 t\u1eeb \u201cMua bia k\u00e8m l\u1ea1c\u201d, Ti\u1ebfn s\u1ef9 Hi\u1ebfu nh\u1ea5n m\u1ea1nh.<\/p>\n<p><em>V\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 h\u1ee3p \u0111\u1ed3ng cho vay, \u0110\u1ea1i di\u1ec7n <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a>, <\/strong><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>\u00a0cho r\u1eb1ng, c\u1ea7n ph\u1ea3i gi\u00fap c\u00f4ng lu\u1eadn hi\u1ec3u r\u00f5 h\u01a1n s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ho\u1ea1t \u0111\u1ed9ng theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 ng\u00e2n h\u00e0ng, \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n, nh\u1ea5t l\u00e0 ng\u01b0\u1eddi y\u1ebfu th\u1ebf tin t\u01b0\u1edfng v\u00e0 y\u00ean t\u00e2m t\u00ecm t\u1edbi nh\u1eefng c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p vay v\u1ed1n ph\u1ee5c v\u1ee5 m\u1ee5c \u0111\u00edch ch\u00ednh \u0111\u00e1ng c\u1ee7a m\u00ecnh.<\/em><\/p>\n<p><em>&#8220;B\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p m\u00e0 s\u1eed d\u1ee5ng c\u1ee5m t\u1eeb &#8216;c\u00f4ng ty t\u00e0i ch\u00ednh&#8217; ho\u1eb7c c\u00e1c c\u1ee5m t\u1eeb, thu\u1eadt ng\u1eef kh\u00e1c trong t\u00ean c\u1ee7a t\u1ed5 ch\u1ee9c, ch\u1ee9c danh g\u00e2y nh\u1ea7m l\u1eabn cho kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c c\u1ee7a m\u00ecnh l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng l\u00e0 vi ph\u1ea1m quy \u0111\u1ecbnh t\u1ea1i \u0110i\u1ec1u 5 v\u1ec1 \u201cS\u1eed d\u1ee5ng thu\u1eadt ng\u1eef li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng\u201d theo Lu\u1eadt C\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng,&#8221; lu\u1eadt s\u01b0 \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n<p>C\u0169ng theo Ti\u1ebfn s\u1ef9 Hi\u1ebfu, nhi\u1ec1u ng\u01b0\u1eddi cho \u0111\u00f3 th\u1ef1c ra l\u00e0 c\u00e1i b\u1eaby, nhi\u1ec1u kh\u00e1ch h\u00e0ng thi\u1ebfu hi\u1ec3u bi\u1ebft th\u01b0\u1eddng b\u1ecb m\u1eafc. C\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p tranh ch\u1ea5p v\u1ec1 h\u1ee3p \u0111\u1ed3ng vay th\u01b0\u1eddng ch\u00fang t\u00f4i ph\u00e1t hi\u1ec7n ra r\u1eb1ng, l\u00e3i su\u1ea5t c\u1ee7a c\u00e1c kho\u1ea3n vay th\u01b0\u1eddng g\u1ea7n ch\u1ea1m c\u00e1i m\u1ee9c lu\u1eadt h\u00ecnh s\u1ef1 quy \u0111\u1ecbnh l\u00e0 cho vay n\u1eb7ng l\u00e3i. Nh\u01b0ng n\u1ebfu n\u00f3 c\u1ed9ng th\u00eam l\u00e3i su\u1ea5t v\u00e0 c\u00e1i thu nh\u1eadp t\u1eeb nh\u1eefng kho\u1ea3n b\u1ea3o hi\u1ec3m ti\u1ec1n vay m\u00e0 th\u00f4ng th\u01b0\u1eddng c\u00f4ng ty n\u00e0y n\u00f3 c\u0169ng n\u1eb1m trong t\u1eadp \u0111o\u00e0n c\u1ee7a CTTC n\u00e0y. Cho n\u00ean n\u1ebfu c\u1ed9ng th\u00eam kho\u1ea3n \u0111\u00f3 n\u1eefa th\u00ec r\u00f5 r\u00e0ng l\u00e3i su\u1ea5t n\u00e0y cao h\u01a1n m\u1ee9c ph\u00e1p lu\u1eadt cho ph\u00e9p. Tuy nhi\u00ean h\u1ecd c\u00f3 bi\u1ec7n ph\u00e1p, h\u1ecd l\u00e1ch lu\u1eadt, n\u00f3 g\u1ea7n ch\u1ea1m \u0111\u1ec9nh ch\u1ee9 ch\u01b0a t\u1edbi m\u1ee9c ph\u1ea3i truy c\u1ee9u v\u1ec1 h\u00ecnh s\u1ef1 v\u00ec t\u1ed9i cho vay n\u1eb7ng l\u00e3i.<\/p>\n<p>Theo \u0111\u1ecbnh ngh\u0129a c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), \u0111\u01a1n v\u1ecb l\u00e0m d\u1ecbch v\u1ee5 cho vay ngang (P2P Lending) ch\u1ec9 nh\u01b0 m\u1ed9t s\u00e0n giao d\u1ecbch, \u0111\u1ee9ng \u1edf gi\u1eefa l\u00e0m d\u1ecbch v\u1ee5 k\u1ebft n\u1ed1i ng\u01b0\u1eddi vay, ng\u01b0\u1eddi cho vay v\u00e0 thu ph\u00ed. \u201cM\u00f4 h\u00ecnh n\u00e0y c\u00f3 nhi\u1ec1u l\u1ee3i \u00edch v\u01b0\u1ee3t tr\u1ed9i so v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng, song r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t \u0111\u1ec3 m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng ph\u00e1t tri\u1ec3n l\u00e0 th\u1ef1c t\u1ebf t\u1ea1i Vi\u1ec7t Nam, h\u00ecnh th\u1ee9c cho vay n\u00e0y l\u1ea1i ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt c\u00f4ng nh\u1eadn. NHNN Vi\u1ec7t Nam \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m n\u00e0y ch\u01b0a c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng cho m\u1ed9t doanh nghi\u1ec7p P2P n\u00e0o\u201d, c\u00e1c chuy\u00ean gia kinh t\u1ebf nh\u1eadn \u0111\u1ecbnh.<\/p>\n<p>M\u1ed9t \u0111\u1ed9c gi\u1ea3 c\u1ee7a Tienngay.vn trao \u0111\u1ed5i (v\u1ec1 Tienngay.vn, ch\u00fang t\u00f4i \u0111\u1ec1 c\u1eadp trong b\u00e0i 2 c\u1ee7a lo\u1ea1t b\u00e0i n\u00e0y-PV), Tienngay.vn \u0111ang ho\u1ea1t \u0111\u1ed9ng theo m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P), nh\u01b0ng Ti\u1ec7n Ngay kh\u00f4ng cho vay. NHNN Vi\u1ec7t Nam hi\u1ec7n \u0111ang x\u00e2y d\u1ef1ng ph\u01b0\u01a1ng \u00e1n tri\u1ec3n khai th\u00ed \u0111i\u1ec3m cho vay kinh doanh m\u00f4 h\u00ecnh P2P, ph\u00eda c\u00f4ng ty c\u0169ng \u0111ang \u0111\u1ee3i quy\u1ebft \u0111\u1ecbnh v\u00e0 ch\u1edd gi\u1ea5y ph\u00e9p th\u00ed \u0111i\u1ec3m c\u1ee7a ng\u00e2n h\u00e0ng. \u201cTh\u1ef1c ra, CTCP C\u00f4ng ngh\u1ec7 T\u00e0i ch\u00ednh Vi\u1ec7t \u0110\u00f4ng B\u1eafc (\u0111\u1ee9ng t\u00ean tr\u00ean h\u1ee3p \u0111\u1ed3ng cho vay-PV) l\u00e0 c\u00f4ng ty con, qu\u1ea3n l\u00fd c\u00e1c t\u1ec9nh ph\u00eda \u0110\u00f4ng B\u1eafc c\u00f2n t\u00e0i ch\u00ednh m\u1edbi l\u00e0 c\u00f4ng ty m\u1eb9\u201d, \u0111\u1ed9c gi\u1ea3 n\u00e0y gi\u1ea3i th\u00edch.<\/p>\n<p>V\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra l\u00e0 P2P ch\u01b0a \u0111\u01b0\u1ee3c ph\u00e9p ho\u1ea1t \u0111\u1ed9ng, Ti\u1ec7n Ngay c\u00f3 h\u1ee3p \u0111\u1ed3ng \u0111\u00f3ng d\u1ea5u Tienngay.vn cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng vay, ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1ea3 l\u00e3i cho nh\u00e2n vi\u00ean c\u1ee7a Tienngay.vn h\u00e0ng th\u00e1ng&#8230;<\/p>\n<p>Theo danh s\u00e1ch c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, C\u00f4ng ty c\u1ed5 ph\u1ea7n T\u1eadp \u0111o\u00e0n Tima \u2013 th\u01b0\u01a1ng hi\u1ec7u Tima kh\u00f4ng ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p.<\/p>\n<p>C\u00f4ng ty c\u1ed5 ph\u1ea7n T\u1eadp \u0111o\u00e0n Tima (th\u01b0\u01a1ng hi\u1ec7u Tima), ho\u1ea1t \u0111\u1ed9ng ng\u00e0y 24\/02\/2016, c\u00f3 \u0111\u1ecba ch\u1ec9 t\u1ea1i: T\u1ea7ng 9, To\u00e0 nh\u00e0 Gold Tower, s\u1ed1 275 \u0111\u01b0\u1eddng Nguy\u1ec5n Tr\u00e3i, ph\u01b0\u1eddng Thanh Xu\u00e2n Trung, qu\u1eadn Thanh Xu\u00e2n, TP. H\u00e0 N\u1ed9i do \u00f4ng Tr\u1ea7n Th\u1ebf V\u0129nh l\u00e0m ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt. V\u1edbi v\u1ed1n \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u 150 t\u1ef7 \u0111\u1ed3ng (th\u1eddi \u0111i\u1ec3m 2015, \u0111\u1ebfn th\u00e1ng 06\/2016, Tima b\u1eaft \u0111\u1ea7u tri\u1ec3n khai d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n v\u00e0 k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh\u2026 \u0110\u1ebfn nay, Tima \u0111\u00e3 g\u1ecdi th\u00e0nh c\u00f4ng 3 tri\u1ec7u USD t\u1eeb Qu\u1ef9 ngo\u1ea1i Belt Road Capital Management, n\u00e2ng m\u1ee9c \u0111\u1ecbnh gi\u00e1 c\u00f4ng ty l\u00ean \u0111\u1ebfn g\u1ea7n 500 t\u1ef7 \u0111\u1ed3ng. \u0110\u01b0\u1ee3c bi\u1ebft, \u00f4ng Tr\u1ea7n Th\u1ebf V\u0129nh c\u00f2n l\u00e0 \u0111\u1ea1i di\u1ec7n c\u1ee7a C\u00f4ng ty TNHH Tima Hub.<\/p>\n<h5><strong>Minh An<\/strong><\/h5>\n<p><strong>&#8212;&#8212;&#8212;&#8212;&#8211;<\/strong><\/p>\n<p><strong><em>Th\u01b0\u01a1ng hi\u1ec7u &amp; C\u00f4ng lu\u1eadn (S\u1ea3n ph\u1ea9m) 06-3-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/thuonghieucongluan.com.vn\/bai-3-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-lua-nguoi-tieu-dung-chuyen-gia-noi-gi-a189524.html\">https:\/\/thuonghieucongluan.com.vn\/bai-3-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-lua-nguoi-tieu-dung-chuyen-gia-noi-gi-a189524.html<\/a><\/em><\/p>\n<p><em>(170\/3.311) #taichinh #tima #p2p #NHNN #ANVI<\/em>","protected":false},"excerpt":{"rendered":"<p>Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec? (TH&amp;CL) &#8211; Th\u1eddi gian g\u1ea7n \u0111\u00e2y, s\u1ea3n ph\u1ea9m c\u1ee7a c\u00e1c th\u01b0\u01a1ng hi\u1ec7u c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty cho vay ti\u00eau d\u00f9ng th\u01b0\u1eddng xuy\u00ean b\u1ecb nhi\u1ec1u ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00e1ch h\u00e0ng khi\u1ebfu n\u1ea1i vi\u1ec7c m\u1eadp m\u1edd vi\u1ec7c x\u01b0ng [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":36077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[40,34,36],"class_list":["post-36076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-dich-vu-phap-ly","tag-luat-su-doanh-nghiep","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &quot;tung chi\u00eau&quot; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec? - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Ma tr\u1eadn c\u00f4ng ty t\u00e0i ch\u00ednh | Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &quot;tung chi\u00eau&quot; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"Ma tr\u1eadn c\u00f4ng ty t\u00e0i ch\u00ednh | Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/\" \/>\n<meta property=\"og:site_name\" content=\"ANVI Law Firm\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/anvilawfirm\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-06T02:42:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-02T04:22:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"566\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:site\" content=\"@anvilawfirm\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"19 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/\"},\"author\":{\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\"},\"headline\":\"3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?\",\"datePublished\":\"2023-03-06T02:42:40+00:00\",\"dateModified\":\"2024-12-02T04:22:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/\"},\"wordCount\":5150,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/1-1.jpg\",\"keywords\":[\"D\u1ecbch v\u1ee5 ph\u00e1p l\u00fd\",\"Lu\u1eadt s\u01b0 Doanh nghi\u1ec7p\",\"Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng\"],\"articleSection\":[\"Tr\u00edch d\u1eabn\",\"T\u01b0 li\u1ec7u ANVI\"],\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/\",\"name\":\"[:vi]3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh \\\"tung chi\u00eau\\\" v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?[:] - ANVI Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/1-1.jpg\",\"datePublished\":\"2023-03-06T02:42:40+00:00\",\"dateModified\":\"2024-12-02T04:22:59+00:00\",\"description\":\"Ma tr\u1eadn c\u00f4ng ty t\u00e0i ch\u00ednh | Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#primaryimage\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/1-1.jpg\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2023\\\/03\\\/1-1.jpg\",\"width\":800,\"height\":566,\"caption\":\"Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh \\\"tung chi\u00eau\\\" v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/en\\\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"(Ti\u1ebfng Vi\u1ec7t) 3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"name\":\"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI\",\"description\":\"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm\",\"publisher\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\"},\"alternateName\":\"anvilaw.com\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#organization\",\"name\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\",\"alternateName\":\"ANVI\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"contentUrl\":\"https:\\\/\\\/anvilaw.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png\",\"width\":3493,\"height\":1535,\"caption\":\"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/facebook.com\\\/anvilawfirm\",\"https:\\\/\\\/x.com\\\/anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@anvilawfirm\",\"https:\\\/\\\/www.youtube.com\\\/@lsduc_anvi\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/#\\\/schema\\\/person\\\/f250bfe7ec16ce4eba7ae37ffd717a9e\",\"name\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g\",\"caption\":\"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c\"},\"sameAs\":[\"https:\\\/\\\/anvilaw.com\"],\"url\":\"https:\\\/\\\/anvilaw.com\\\/vi\\\/author\\\/ductt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"[:vi]3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh \"tung chi\u00eau\" v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?[:] - ANVI Law Firm","description":"Ma tr\u1eadn c\u00f4ng ty t\u00e0i ch\u00ednh | Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/","og_locale":"vi_VN","og_type":"article","og_title":"[:vi]3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh \"tung chi\u00eau\" v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?[:] - ANVI Law Firm","og_description":"Ma tr\u1eadn c\u00f4ng ty t\u00e0i ch\u00ednh | Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o...","og_url":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/","og_site_name":"ANVI Law Firm","article_publisher":"https:\/\/facebook.com\/anvilawfirm","article_published_time":"2023-03-06T02:42:40+00:00","article_modified_time":"2024-12-02T04:22:59+00:00","og_image":[{"width":800,"height":566,"url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg","type":"image\/jpeg"}],"author":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","twitter_card":"summary_large_image","twitter_creator":"@anvilawfirm","twitter_site":"@anvilawfirm","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"19 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#article","isPartOf":{"@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/"},"author":{"name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e"},"headline":"3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?","datePublished":"2023-03-06T02:42:40+00:00","dateModified":"2024-12-02T04:22:59+00:00","mainEntityOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/"},"wordCount":5150,"commentCount":0,"publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg","keywords":["D\u1ecbch v\u1ee5 ph\u00e1p l\u00fd","Lu\u1eadt s\u01b0 Doanh nghi\u1ec7p","Lu\u1eadt s\u01b0 T\u00e0i ch\u00ednh - Ng\u00e2n h\u00e0ng"],"articleSection":["Tr\u00edch d\u1eabn","T\u01b0 li\u1ec7u ANVI"],"inLanguage":"vi","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/","url":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/","name":"[:vi]3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh \"tung chi\u00eau\" v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?[:] - ANVI Law Firm","isPartOf":{"@id":"https:\/\/anvilaw.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#primaryimage"},"image":{"@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#primaryimage"},"thumbnailUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg","datePublished":"2023-03-06T02:42:40+00:00","dateModified":"2024-12-02T04:22:59+00:00","description":"Ma tr\u1eadn c\u00f4ng ty t\u00e0i ch\u00ednh | Ng\u01b0\u1eddi ti\u00eau d\u00f9ng, kh\u00f4ng th\u1ec3 ph\u00e2n bi\u1ec7t \u0111\u00e2u l\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng c\u1ea5p ph\u00e9p v\u00e0 \u0111\u00e2u l\u00e0 c\u00f4ng ty gi\u1ea3 m\u1ea1o...","breadcrumb":{"@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#primaryimage","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/03\/1-1.jpg","width":800,"height":566,"caption":"Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh \"tung chi\u00eau\" v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng"},{"@type":"BreadcrumbList","@id":"https:\/\/anvilaw.com\/en\/3-419-truoc-ma-tran-cong-ty-tai-chinh-tung-chieu-voi-nguoi-tieu-dung-chuyen-gia-noi-gi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/anvilaw.com\/vi\/"},{"@type":"ListItem","position":2,"name":"(Ti\u1ebfng Vi\u1ec7t) 3.419. Tr\u01b0\u1edbc \u2018ma tr\u1eadn\u2019 c\u00f4ng ty t\u00e0i ch\u00ednh &#8220;tung chi\u00eau&#8221; v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, chuy\u00ean gia n\u00f3i g\u00ec?"}]},{"@type":"WebSite","@id":"https:\/\/anvilaw.com\/vi\/#website","url":"https:\/\/anvilaw.com\/vi\/","name":"ANVI Law Firm - C\u00f4ng ty Lu\u1eadt ANVI","description":"C\u00f4ng ty Lu\u1eadt ANVI - ANVI Law Firm","publisher":{"@id":"https:\/\/anvilaw.com\/vi\/#organization"},"alternateName":"anvilaw.com","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/anvilaw.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/anvilaw.com\/vi\/#organization","name":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm","alternateName":"ANVI","url":"https:\/\/anvilaw.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","contentUrl":"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/01\/ANVI-Logo-ca-hinh-va-chu-khong-co-nen-174K-1.png","width":3493,"height":1535,"caption":"C\u00f4ng ty Lu\u1eadt ANVI | ANVI Law Firm"},"image":{"@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/anvilawfirm","https:\/\/x.com\/anvilawfirm","https:\/\/www.youtube.com\/@anvilawfirm","https:\/\/www.youtube.com\/@lsduc_anvi"]},{"@type":"Person","@id":"https:\/\/anvilaw.com\/vi\/#\/schema\/person\/f250bfe7ec16ce4eba7ae37ffd717a9e","name":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/939cd8149fd8babbde69424b0b9cd8c1d6d82a1eb91f15a25a976dcc104497f9?s=96&d=mm&r=g","caption":"Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c"},"sameAs":["https:\/\/anvilaw.com"],"url":"https:\/\/anvilaw.com\/vi\/author\/ductt\/"}]}},"_links":{"self":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36076","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/comments?post=36076"}],"version-history":[{"count":1,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36076\/revisions"}],"predecessor-version":[{"id":44545,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/posts\/36076\/revisions\/44545"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media\/36077"}],"wp:attachment":[{"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/media?parent=36076"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/categories?post=36076"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anvilaw.com\/vi\/wp-json\/wp\/v2\/tags?post=36076"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}